Abstract: Disclosed herein are methods and systems for creating or providing a blockchain-based digital stable token, facilitating user identification, fund transfer, and payments and trading. The systems and methods provided herein may comprise providing a stable token, a non-stable token, reward rate for payment in the stable token, interest rate for holding the stable token, wherein zero inflation and deflation of the stable token against a weighted average price, such as the PCE price index, can be achieved by constantly optimizing one or more of the i) the reward rate, ii) the interest rate, and iii) the trading between the non-stable token and stable token through a Linear-Quadratic-Gaussian controller.

Abstract: Disclosed herein are methods and systems for facilitating payment comprising the exchange of digital tokens from consumer accounts to merchant accounts in exchange for goods and/or services wherein the merchant may request the issuance of reward tokens, backed up by a central entity, to the consumer accounts. The reward tokens can then be used to facilitate payment for goods or services from the requesting merchant.

Abstract: Provided are systems and methods for facilitating identity verification using decentralized networks. The systems and methods described herein may allow a user to flexibly control the identity information of the user that is sent to and received by a recipient.

Abstract: Provided are systems and methods for facilitating fund transfer. The systems and methods described herein may facilitate fund transfer by utilizing blockchain networks, digitized financial credit (e.g., digital tokens), smart contracts, multiple clearing financial institutions, preference to push-only transfers (over pull-type transfers), and/or graphical codes, such as quick response (QR) codes.